pointslip milestomorrow.com

American Express Blue Cash Everyday vs Hilton Honors Surpass Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Hilton Honors Surpass Card 1.2% 3x base rate
  2. Blue Cash Everyday 1.0% 1% base rate

Dining

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Blue Cash Everyday 1.0% 1% base rate

Groceries

  1. Blue Cash Everyday 3.0% 3%, capped
  2. Hilton Honors Surpass Card 2.4% 6x

Gas

  1. Blue Cash Everyday 3.0% 3%, capped
  2. Hilton Honors Surpass Card 2.4% 6x

Online

  1. Blue Cash Everyday 3.0% 3%, capped
  2. Hilton Honors Surpass Card 1.6% 4x

Hotels

  1. Hilton Honors Surpass Card 4.8% 12x
  2. Blue Cash Everyday 1.0% 1% base rate

What the numbers are doing

Blue Cash Everyday's 3% on groceries runs out: it applies to the first $6,000 of groceries spend a year, and everything past that earns 1%.

The table is earn rate only — annual fees are not netted out of it. These cards charge Blue Cash Everyday $0 and Hilton Honors Surpass Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Hilton Honors Surpass Card takes everything else, dining and hotels; Blue Cash Everyday takes groceries, gas and online.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHilton Honors Surpass Card1.2%
DiningHilton Honors Surpass Card2.4%
GroceriesBlue Cash Everyday3.0%
GasBlue Cash Everyday3.0%
OnlineBlue Cash Everyday3.0%
HotelsHilton Honors Surpass Card4.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Hilton Honors Surpass Card — 1.2%
  2. Blue Cash Everyday — 1.0%

Dining

  1. Hilton Honors Surpass Card — 2.4%
  2. Blue Cash Everyday — 1.0%

Groceries

  1. Blue Cash Everyday — 3.0%
  2. Hilton Honors Surpass Card — 2.4%

Gas

  1. Blue Cash Everyday — 3.0%
  2. Hilton Honors Surpass Card — 2.4%

Online

  1. Blue Cash Everyday — 3.0%
  2. Hilton Honors Surpass Card — 1.6%

Hotels

  1. Hilton Honors Surpass Card — 4.8%
  2. Blue Cash Everyday — 1.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.